Advanced Search

Volume 14 - Number 23

November 14, 2014

FHFA: Proposed 97 LTV Guidelines To Look at ‘Compensating Factors’

Look for the Federal Housing Finance Agency’s new guidelines for loans with loan-to-values between 95 percent and 97 percent to take into account “compensating factors” to offset reduced borrower equity. In a speech last week at the National Association of Realtors conference in New Orleans, FHFA Director Mel Watt elaborated only a little further on the agency’s recently announced mortgage guidelines, noting they will include safety and soundness standards to best manage the GSEs’ risk.

Subscribers to Inside The GSEs have full access to all its stories and data online. Visitors may become subscribers for full access or may purchase individual articles and data.

Subscriber Log In

If you are a current subscriber or already purchased this article, please login below.

Forgot your password?

Already subscribe but haven't registered for all the benefits of the website?


This biweekly covers the housing-related government-sponsored enterprises with experienced, expert analysis.



You can purchase this article for $55.00 without subscribing and always have access to it on

Pay Per View

Please contact Customer Service if you need assistance: 1-800-570-5744


After the November elections, how long will it take for a new Congress and White House to pass GSE reform legislation?

I’m confident a bill will be passed the first year.


2 to 3 years. GSE reform is complicated.


Sadly it won’t happen in a Clinton or Trump first term.


Not in my lifetime.


Housing Pulse